Sr. Payments Risk Analyst - Velora

About Velora

Velora brings together Aplos, Raisely, and Keela into one unified company with a shared mission: to help nonprofit organizations thrive. Together, our combined expertise spans fundraising, donor management, financial tracking, and communications—offering a powerful suite of tools designed to reduce complexity so nonprofits can focus on making a difference.

About the Role

This role supports Aplos / Aplos Pay.

Aplos is the largest nonprofit & church management software on the market, serving over 40,000 organizations since 2009. Our all-inclusive platform provides a dynamic CRM, fundraising & giving tools, online donations & payment processing, built-in fund accounting, integrated payroll, email marketing, and website building.

As a Sr. Payments Risk Analyst, you own fraud and risk for Aplos Pay—Velora's payment volume where we take on the fraud risk. You’ll manage day-to-day transaction monitoring and redesign processes to scale through smarter rules, automation, and AI as a team-of-one partnered closely with Engineering leadership, Customer Success, and IT & Compliance.

Responsibilities

• Own day-to-day transaction monitoring and fraud/risk review for Aplos Pay, making clear, accountable risk decisions.
• Investigate suspicious activity end-to-end and document outcomes to ensure decisions are consistent and auditable.
• Design, test, and iterate detection rules and monitoring workflows to catch bad activity earlier with fewer false positives.
• Reduce manual load by building practical automation so review capacity grows with payment volume.
• Partner with Customer Success on merchant and customer risk issues; escalate thoughtfully when policy or compliance judgment is needed.
• Partner with IT & Compliance and security stakeholders to keep payments risk aligned with Velora's broader security and compliance posture.
• Create the operating rhythm for a team-of-one: playbooks, prioritization, and feedback loops without waiting for constant direction.
• Use AI and data tools to speed investigations, spot patterns, and propose rule/process changes while keeping human judgment on final risk calls.
• Track key metrics (e.g., leakage caught, review effort, false positives) and continuously improve the process.
• Enable safe onboarding of more customers onto Aplos Pay as monitoring becomes scalable and reliable.

Requirements

• 5+ years of hands-on payments fraud / risk analysis experience.
• Proven ownership of fraud or risk outcomes, including exercising judgment under ambiguity.
• Comfort operating as a team of one: high autonomy, resilience, and the ability to create structure without heavy management overhead.
• Familiarity with payment processors/rails and fraud tooling; experience with Stripe (or similar) is an asset.
• Evidence of implementing AI or meaningful automation in a risk, fraud, operations, or similar workflow in previous roles.
• Clear, candid communicator who collaborates effectively across Customer Success, compliance, and engineering teams.
• Strong business awareness: connecting risk decisions to customer trust, payment volume growth, and nonprofit impact.
• Strong interest in building technical solutions with AI, including experience with SQL, APIs, or building internal processes.

Benefits & Compensation

• Salary: Compensation band of $90,000 - $125,000 CAD (determined by skills, experience, education, and location).
• Paid Time Off: 4 weeks paid leave, 11 public holidays, a 2-week end-of-year company shutdown, and generous paid sick leave.
• Remote Flexibility: Remote-first company culture.
• Professional Development: Budget support for new skills, conference tickets, or courses.
• Health Coverage & Retirement: Comprehensive medical, dental, vision, disability, and life insurance, plus a 4% retirement match.